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Nationwide vs. American Family Insurance
Which insurance carrier is right for you? Compare pros & cons, cost, and quotes from Nationwide and American Family.
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Nationwide vs. American Family: What You Need to Know
Murray D. Lincoln formed the company the Farm Bureau Mutual Automobile Insurance Company with the goal of selling auto insurance at low rates for farmers in Ohio. In 1926, the first policy was sold. In 1928, Farm Bureau Mutual begins to expand into other states including West Virginia, Maryland, Delaware, Vermont, and North Carolina. By 1934, the company was insuring motorists in metropolitan areas and writing property insurance policies too and by 1943 was operating in 12 states and the District of Columbia. It was in 1955 that the company changed its name to nationwide, with an expansion into 20 new states. In 1982, Nationwide acquires a 100-year-old company and America’s leading farm insurer and goes public in 1997. In the year 2000, the Nationwide Arena opens and becomes home to a National Hockey League franchise, the Columbus Blue Jackets. In 2007, the Nationwide Bank opens. Today, Nationwide is a Fortune 100 company with a full range of insurance and financial services across the country, including car, motorcycle, boat, homeowners, pet, farm, life and commercial insurance, annuities, mortgages, mutual funds, pensions, long-term savings plans, and specific health services.
Allied Mutual Automobile Association was formed by Harold Evans in 1929. After years of operating as a standalone brand, Allied Insurance became Nationwide in 1998. Policies, documents, bills and account statements for Allied customers are now featuring the Nationwide name and logo.
Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Nationwide Overview and American Family Overview.
Nationwide vs. American Family: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Nationwide and American Family. On average, Nationwide charges approximately $84.35 per month while American Family comes in at around $199.94 per month. For Nationwide, the cheapest state average is Florida at $0.11 per month and the most expensive is California at $237.82 per month. For American Family, the cheapest state average is Ohio at $95.59 per month and the most expensive is Nevada at $346.72 per month.
Average Rate
Average Rate
Average Rate
| State | Nationwide | American Family |
|---|---|---|
| Alabama | $18.13 | - |
| Arizona | $83.42 | $129.13 |
| Arkansas | $115.62 | - |
| California | $237.82 | - |
| Colorado | $133.20 | $229.18 |
| Connecticut | $182.56 | - |
| Delaware | $173.47 | - |
| District of Columbia | $216.73 | - |
| Florida | $0.11 | - |
| Georgia | $65.20 | - |
| Illinois | $91.47 | $314.45 |
| Indiana | $93.51 | $160.41 |
| Iowa | $83.09 | $99.31 |
| Kansas | $104.13 | $146.14 |
| Kentucky | $104.08 | - |
| Maryland | $179.57 | - |
| Michigan | $43.25 | - |
| Minnesota | $147.78 | $131.74 |
| Mississippi | $187.13 | - |
| Missouri | $92.61 | $163.09 |
| Nebraska | $49.46 | - |
| Nevada | $159.12 | $346.72 |
| New York | $167.62 | - |
| North Carolina | $60.82 | - |
| Ohio | $67.50 | $95.59 |
| Oregon | $92.29 | $160.90 |
| Pennsylvania | $80.66 | - |
| South Carolina | $53.48 | - |
| Tennessee | $83.98 | - |
| Texas | $84.01 | - |
| Utah | $66.06 | $159.58 |
| Virginia | $72.08 | - |
| Washington | $132.02 | $192.57 |
| West Virginia | $71.53 | - |
| Wisconsin | $61.56 | $126.21 |
Nationwide vs. American Family: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Nationwide and American Family typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Nationwide | American Family |
|---|---|---|
| 4 Vehicles | $0.00 | $ |
| 3 Vehicles | $5.54 | $ |
| 2 Vehicles | $68.95 | $269.73 |
| 1 Vehicle | $91.25 | $188.95 |
Nationwide vs. American Family: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Nationwide charges $31.93 per month and American Family charges $201.11 per month for customers who own their home.
| Own/Rent | Nationwide | American Family |
|---|---|---|
| Own | $31.93 | $201.11 |
| Rent | $161.30 | $199.66 |
What is Nationwide and American Family Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Nationwide and American Family ranked among the industry ratings.
| Comparison | Nationwide | American Family |
|---|---|---|
| Year Founded | 1925 | 1927 |
| Market Share | 2.7% | 1.91% |
| A.M. Best Rating | A+ | A |
| BBB Rating | A+ | A+ |
| Financial Strength | Excellent | Excellent |
| JD Power Ranking | About Average | About Average |
| Moody’s Rating | A1 | |
| NAIC Complaint Index | 0.38 | 0.64 |
| S&P Rating | A+ | A |
Nationwide or American Family: Insurance Products Offered
What coverage is available through Nationwide and American Family? Both insurance companies offer Auto, Commercial, Farm, Health, Home, Life, Motorcycle, and RV insurance. Additional products from American Family insurance also includes Condo, Renters, and Umbrella insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Nationwide and American Family Insurance page.
| Insurance | Nationwide | American Family |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | ✔ |
| Condo Insurance | ✔ | |
| Farm Insurance | ✔ | ✔ |
| Health Insurance | ✔ | ✔ |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | ✔ |
| Motorcycle Insurance | ✔ | ✔ |
| Pet Insurance | ✔ | |
| Renters Insurance | ✔ | |
| RV Insurance | ✔ | ✔ |
| Umbrella Insurance | ✔ |
Nationwide or American Family: Ways To Save
American Family offers a wide range of discounts to its policyholders, including Claims-free Pricing, Generational, and Good Student discounts. In contrast, Nationwide also offers a few discounts that American Family doesn’t, including SmartRide, Passive Occupant Restraint, and Paperless Documents discounts. Start taking advantage of discounts offered by insurance providers like American Family and Nationwide insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Nationwide | American Family |
|---|---|
| Accident-free Discount | Away at School Discount |
| Advance Quote Discount | Claims-free Pricing |
| Affinity Car Insurance Discounts | Generational Discount |
| Anti-theft Discount | Good Student Discount |
| Defensive Driving Discount | KnowYourDrive |
| Easy Pay Discount | Loyalty Discount |
| Farm Bureau Discount | Multi-product Discount |
| Good Student Discount | Smart Home Discount |
| Long-term Policyholder Discount | Teen Safe Driver Discount |
| Multi-policy Discount | Young Volunteer Discount |
| Nationwide Family Plan | |
| New Vehicle | |
| Paperless Documents | |
| Passive Occupant Restraint Discount | |
| SmartRide Discount |
Pros & Cons of Nationwide & American Family
Pros
Nationwide
- Up to 20% off when you bundle home, auto, life and other policies with Nationwide.
- Big savings for safe driving history.
- On Your Side Auto Repair Network guarantees workmanship on repairs.
- Vanishing deductible.
American Family
- American Family Insurance has 24/7 claim support.
- With KnowYourDrive technology that analyzes your driving habits, you may be able to earn a discount of up to 20%.
- Teen Safe Driver also uses technology to monitor distracted driving and may earn a teen up to 10% in car insurance discounts.
- The American Family MyAmFam app is very helpful for managing your account.
- American Family Insurance offers rideshare insurance for Uber and Lyftdrivers.
Cons
Nationwide
American Family
- American Family Insurance only serves 19 states.
Nationwide or American Family Mobile Apps Options
The Nationwide Mobile App for Android, iPhone and iPad lets you access accounts on the go. The app features fingerprint and facial login to a dashboard where you make payments, manage payment methods and save or share ID cards with drivers on your policy. You can also file a claim and check on its status. The app comes fully equipped to connect with roadside assistance too.
The American Family mobile app is available for iOS and Android. CalledMyAmFam, the app allows users to manage their insurance policy: Make payments, view coverage and policy details, access digital ID cards, in-app payment reminders, find a repair shop, submit a claim, get roadside assistance and more.
| Nationwide Mobile App | ||
|---|---|---|
| iOS | 3.6 | 3K user reviews |
| Android | 4.3 | 1.4K user reviews |
| American Family Mobile App | ||
|---|---|---|
| iOS | 4.8 | 30K user reviews |
| Android | 4.4 | 3.5K user reviews |
Nationwide & American Family Contact Info
| Nationwide Contact Info | |
|---|---|
| Address | P.O. Box 742522, Cincinnati, OH 45274-2522 |
| Phone | 1-877-669-6877 |
| Website | https://www.Nationwide.com |
| https://www.facebook.com/nationwide/ | |
| https://twitter.com/Nationwide | |
| Youtube | https://www.youtube.com/channel/nationwide |
| https://www.linkedin.com/company/nationwide/ | |
| American Family Contact Info | |
|---|---|
| Address | 6000 American Parkway, Madison, WI 53783 |
| Phone | 1-800-692-6326 |
| Website | https://www.amfam.com/insurance |
| https://www.facebook.com/amfam/ | |
| https://twitter.com/amfam | |
| Youtube | https://www.youtube.com/user/amfam |
| https://www.linkedin.com/company/american-family-insurance/ | |
Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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